Bank Comparison
Peoples Bank, Biloxi, Mississippi, the vs Peach State Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 15.11% |
| Tier 1 Capital Ratio | — | 15.11% |
| Total Capital Ratio | — | 16.36% |
| Tier 1 Leverage Ratio | 14.15% | 9.69% |
| Equity / Assets | 12.77% | 9.11% |
Profitability
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 1.31% |
| Return on Equity (ROE) | 6.10% | 14.58% |
| Net Interest Margin (NIM) | 3.13% | 3.75% |
| Yield on Earning Assets | 4.12% | 5.53% |
| Cost of Funds | 1.16% | 1.88% |
Asset quality
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| Texas Ratio | 0.50% | 0.00% |
| Non-Performing Loan Ratio | 0.19% | 0.00% |
| Non-Performing Asset Ratio | 0.07% | 0.00% |
| Net Charge-Off Ratio | -0.24% | -0.03% |
| ACL / Loans | 1.15% | 1.18% |
Balance sheet
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| Total Assets | $787,851K | $789,280K |
| Total Deposits | $666,427K | $713,478K |
| Total Loans | $268,814K | $498,190K |
| Total Equity | $100,595K | $71,924K |
| Net Income (quarter) | $1,527K | $2,584K |
Liquidity & funding
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 40.34% | 69.83% |
| Core Deposit Ratio | 98.12% | 96.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank, Biloxi, Mississippi, the | Peach State Bank & Trust |
|---|---|---|
| Headquarters City | BILOXI | GAINESVILLE |
| Headquarters State | MS | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 18 | 3 |
| Employees (FTE) | 135 | 76 |
| Established | April 13, 1896, midnight | April 27, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Peoples Bank, Biloxi, Mississippi, the profile | View full Peach State Bank & Trust profile | Browse all bank comparisons